Small Business Loans

Bank Statement loans, Small business loans, working capital loans and more are available from $5,000 to $150,000 quickly and easily for cash flow, expansions, advertising, inventory, taxes, equipment, or any reason against just your company’s sales, existing assets, or receivables, with realistic and very flexible credit requirements!

Why use alternative small business loan services?

  • Tough transactions are made routine through leaseback and bank statement loans program
  • Application is Fast and easy. Generally only a one page application.
  • Unsecured cash flow programs widely available!
  • Quick approval and funding process.
  • No upfront or processing fee.
  • Traditional programs say no, we say Yes!
  • Your request will be handled by an experienced industry representative throughout the process.
  • In business currently (bank-statement-loans) program
  • Low credit scores O.K. and NO minimum credit scores for select programs!

Click below, or on our “Contact us” in the menu row at the top of the page and one of our highly experienced industry credit representatives will contact you to review your small business loans needs, funding options and immediately begin the funding process.

Call Toll Free: 855-787-1113 today, or click here to Apply Today!

Small Business Loans Features:

  1. Sales Revenue Based Cash Flow Programs
    • All businesses have revenue and cash flow which allows all businesses to pre-qualify.
  2. Asset Based program
    • Almost all businesses have receivables, or equipment. Computer equipment, industrial equipment, machinery, medical equipment.

Frequently asked questions:

Question: Which of the small business loans does my business qualify for?

Answer: While the requirements may vary for each program, minimal requirements will allow you to pre-qualify for a number of programs!

Question: How much can we qualify for with one of these small business loans programs?

Answer: The amount your business can qualify for depends to a large extent on business and personal credit, time in business and the amount of assets and how much the business’ gross sales are.

Question: What if I need $100,000 instead of $50,000 and I only qualify for $50,000 under one of the provided small business loans. How can I get to the $100,000 total?

Answer: Since there is more than one funding program under the equipment re-finance program, you can obtain $50,000 under the first program funding segment, then obtain another $50,000 under a second program. If the customer wishes, they can obtain the first $50,000 under the equipment refinance program, the obtain the second $50,000 under the Gross Sales Program also known as the Bank Statement Program or Bank Statement Financing Program.

Question: Do you offer approvals that are just in the company name, meaning a signer or guarantor is not required?

Answer: Yes, we offer what is referred to as “Corp Only” approvals. These are approvals for small business loans that are just in the company name. They are based on the time in business, business credit, and in some cases, bank statements or financial statements. The most common characteristics of these are that while someone has to actually sign for the company, they are not a guarantor.

Sample Small Business Loans Transaction:

Reno Dental Associates requested $75,000 for remodeling and debt consolidation. They completed the online application including listing of their receivables, and equipment, including Dental delivery stations, X-ray equipment and hand pieces.

Reno Dental was approved for $50K based on their equipment and time in business. Loan docs were E-Mailed to the customer. The customer return overnight the original documentation. A final verbal phone verification was completed with the customer and funds were wired to the customer within 24 hours.

The customer still wanted more funding under the program. They provided their most recent 6 months business checking account statements and were approved or $30K based on their cash flow. Loan documents were E-mailed to the customer. The customer faxed back the completed loan documents. A final phone verbal confirmation was completed with the customer and funds were wired into their account within 48 hours. The customer obtained all the funding they needed.

Other advantages of our programs include significant tax advantages. Payments on the asset based loans may be 100% deductible. This program is set up in part as a lease which allows for this type of write off.

Since assets are used as collateral, or unsecured in our Gross Sales program, only a small part of the business owners assets are used for any transaction. In most cases, only a fraction of their equipment is used. This compares very favorably to most other programs for which either Real Estate, all of the company’s Accounts Receivables, or the entire assets of the business are held as collateral for most other financing.

There are often significant tax advantages for the asset based program, comparable to the revered home mortgage deduction. The equipment based transaction is set up in part as a lease in many cases. This allows the customer to deduct the entire payment instead of just the interest portion of the payment. This give the customer additional options in lowering their net income figure.

Credit Corner – How valuable are Co-Signers? Co-signers are generally not as valuable to a loan application as most applicants think they are. The primary reason is that in many cases, co-signers are only offering their signature to help someone else obtain a loan. In these cases, the co-signer will not benefit from the loan, and is only taking a risk. If the loan goes in arrears, the co-signer is looked at to repay the loan. In many of these cases, the co-signer is far less motivated to pay back funds that went to another person or another company. Lenders are well aware of this and for that reason often do not value co-signers as much as the owners or primary signers.

There are some exceptions to this. If the co-signer on one of the small business loans in the portfolio is the father or mother of the primary signer, or spouse of the primary signer, that often carries more weight than if it is not an immediate relative. More importantly, if the co-signer has significant assets, then the lender will be more interested in accepting such a co-signer. If the co-signer has provided a personal financial statement reflecting significant assets, then the lender will often be more interested in taking them as a co-signer in order to approve funding.

Small business loan resources

SBA Community Blog and Forum – Blog and Forums by the SBA, Small business administration. Questions can be asked and answers provided.

Learn more about the types of financing. Choose one of the funding categories to begin:

Thank you for visiting our small business loans resource page!

Market  Updates

Lenders frequently have customers that request favorable terms.   Banks and other lenders are not surprised when they encounter borrowers who request better terms or the best terms possible.

Sometimes borrowers overstep their bounds and hurt their request by approaching lenders with a list of requirements or demands they feel they have to receive with their loan.   This is not a good approach to take with lenders.   Borrowers sometimes make the mistake of believing they are entitled to a loan and entitled to whatever terms they feel they should receive.

Borrowers often do this with the rate, closing costs and the number of months the loan can be approved for.    This happens more often with personal loans, but it also happens with business loan requests.

Applicants will often tell the lender in advance that they will not pay above a certain rate, or will even tell the lender the rate that they want to pay.   They will also tell the lender that they do not want to pay any closing costs, even though 1 or 2 payments at closing may be a normal requirement.   Applicants may also tell the lender the term they want, 48 or 60 months.  In some cases the maximum term the lender will consider is 36 months.


When borrowers do this, they may be hurting their chances of even getting the loan approved.   If a borrower tells the lender they will only pay a 7% maximum interest rate on a business loan, and the typical rate is 9%, the lender may not be motivated to offer the loan.  The lender may do nothing at that point and the borrower will have to decide if they want to go back on their demand.

The same thing applies to closing costs and terms.  If  1 or 2 payments at closing are normal and the lender does not concede on this, the borrower may be stuck.  Borrowers need to be cautious about how they present their requests.  If a borrower says they do not want to pay 1 or 2 payments at closing, the lender may take a closer look at the borrower to make sure this request is just a preference by the borrower, rather than a cash flow problem.

Borrowers with good credit sometimes incorrectly believe their profile is the best the lender sees.   Often, a borrower that believes their credit is among the best is really an average to good credit compared to the lenders overall customers.    If an applicant makes several demands and is difficult to deal with during the application process, this may be considered a red flag to the Lender.   The lender will quickly realize if the borrower is difficult to deal with during the application phase, they may be difficult to deal with as a customer and will almost certainly be hard to deal with if there are problems later.

Due to the reasons cited above, borrowers will get the best results by negotiating with lenders rather than make demands of them.

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